N2 East Finchley, Fortis Green, Hampstead Garden Suburb cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £911,330
Input Equity (£227,833)
Input Equity FX (£227,833)
Total Input Equity (£227,833)
Total Input Equity FX (£227,833)
Item On Purchase On Completion Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Property Price/Value £911,330 £911,330 £911,330 £911,330 £911,330 £911,330 £911,330 £911,330 £911,330 £911,330 £911,330 £911,330
Finance Amount £683,498 £683,498 £663,079 £641,616 £619,056 £595,340 £570,412 £544,208 £516,664 £487,710 £457,275 £425,283
Monthly Mortgage   (£4,511) (£4,511) (£4,511) (£4,511) (£4,511) (£4,511) (£4,511) (£4,511) (£4,511) (£4,511) (£4,511)
Monthly Rental   £2,239 £2,239 £2,239 £2,239 £2,239 £2,239 £2,239 £2,239 £2,239 £2,239 £2,239
Yield to Purchase Price %   2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95%
Yield to Property Value %   2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95%
Gross Monthly Cashflow   (£2,272) (£2,272) (£2,272) (£2,272) (£2,272) (£2,272) (£2,272) (£2,272) (£2,272) (£2,272) (£2,272)
Gross Annual Cashflow   (£27,264) (£27,264) (£27,264) (£27,264) (£27,264) (£27,264) (£27,264) (£27,264) (£27,264) (£27,264) (£27,264)
Gross Annual Expenses                        
Annual Management Expenses   (£1,504) (£1,504) (£1,504) (£1,504) (£1,504) (£1,504) (£1,504) (£1,504) (£1,504) (£1,504) (£1,504)
Gross Annual Cashflow less Expenses   (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608)
Vacancy Expenses                        
Net Annual Cashflow   (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608) (£28,608)
Net Yield %   (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%)
Debt Coverage Ratio (1:x)   0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47
Personal Equity £227,833 £227,833 £248,251 £269,714 £292,274 £315,990 £340,918 £367,122 £394,666 £423,620 £454,055 £486,047
Effective Gearing % 75.00% 75.00% 72.76% 70.40% 67.93% 65.33% 62.59% 59.72% 56.69% 53.52% 50.18% 46.67%
Potential Profit   (£28,769) (£8,351) £13,112 £35,673 £59,388 £84,317 £110,521 £138,065 £167,019 £197,454 £229,446
Return on Investment %   (12.63%) (3.67%) 5.76% 15.66% 26.07% 37.01% 48.51% 60.60% 73.31% 86.67% 100.71%
Cumulative Inflation Rate %     2.00% 4.04% 6.12% 8.24% 10.41% 12.62% 14.87% 17.17% 19.51% 21.90%
Real Potential Profit   (£28,769) (£8,184) £12,593 £33,575 £54,778 £76,216 £97,904 £119,858 £142,093 £164,627 £187,474
Real Return on Investment %   (12.63%) (3.59%) 5.53% 14.74% 24.04% 33.45% 42.97% 52.61% 62.37% 72.26% 82.29%